The Pineries Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Compared with Q1 2026, Tangible equity to tangible assets rose 0.32 percentage points in Q2 2026 to 11.31%, the biggest move on this page. Within Wisconsin, The Pineries Bank is 11th of 85 on CET1 ratio, 21.83% as of Q2 2026. The Pineries Bank reported 21.83% on CET1 ratio for Q2 2026, 6.75 points above the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 21.83% |
| Tier 1 risk-based capital ratio | 21.83% |
| Total risk-based capital ratio | 22.70% |
| Tier 1 leverage ratio | 11.34% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $16.8M |
| Tier 1 capital | $16.8M |
| Total risk-based capital | $17.5M |
| Total equity capital | $17.2M |
| Risk-weighted assets | $77.1M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.53% |
| Tangible equity to tangible assets | 11.31% |
| Equity capital to average assets | 11.56% |
| Internal capital growth rate | 10.51% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $50K |
| Common stock surplus | $1.7M |
| Retained earnings | $15.4M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 19.75% | 19.75% | 20.68% | 9.95% | $67.4M |
| Q4 2023 | 19.69% | 19.69% | 20.61% | 9.94% | $68.2M |
| Q1 2024 | 20.12% | 20.12% | 21.05% | 10.43% | $68.2M |
| Q2 2024 | 20.69% | 20.69% | 21.62% | 10.43% | $68.1M |
| Q3 2024 | 20.44% | 20.44% | 21.35% | 10.40% | $70.7M |
| Q4 2024 | 20.42% | 20.42% | 21.32% | 10.48% | $71.7M |
| Q1 2025 | 21.31% | 21.31% | 22.23% | 10.80% | $70.4M |
| Q2 2025 | 22.20% | 22.20% | 23.14% | 10.81% | $69.4M |
| Q3 2025 | 22.03% | 22.03% | 22.94% | 10.74% | $71.6M |
| Q4 2025 | 21.50% | 21.50% | 22.39% | 10.86% | $74.4M |
| Q1 2026 | 21.59% | 21.59% | 22.47% | 11.08% | $75.9M |
| Q2 2026 | 21.83% | 21.83% | 22.70% | 11.34% | $77.1M |
The Pineries Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock The Pineries Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Pineries Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9526) · FFIEC NIC profile (RSSD 674344)